此外，台风"麦德姆"带来的极端天气还触发了2025年湛江市台风巨灾保险的赔付标准。人保财险充分发 挥巨灾指数保险"气象数据定责、免现场查勘"的优势，在台风影响减弱、核心数据确认后，立即启动应 急理赔流程，在台风登陆后20小时内紧急拨付首笔预付赔款3000万元。 这已是湛江市今年第二次启用台风巨灾保险应急赔付机制。此前，在第18号台风"桦加沙"登陆后，人保 财险已向湛江市财政局支付湛江市巨灾指数保险赔款1020万元，叠加此次应急预赔，两笔巨灾指数保险 赔款累计达4020万元，为灾后应急处置与民生保障提供支持，凸显了保险机制在重大自然灾害应对中的 稳定器作用。 自9月下旬以来，台风"桦加沙""麦德姆"接连对广东、广西等沿海区域的海洋牧场造成冲击。保险业持 续推进防灾减损和快速理赔，为养殖企业抢修设施、补苗复产送上关键资金支持。 在今年第21号台风"麦德姆"登陆后，雷州半岛周边海洋牧场的部分深海网箱、养殖设施面临损毁风险。 人保财险第一时间启动风灾指数保险应急响应机制，在2小时内完成了3名客户680万元海洋牧场保险预 付赔款划付。"风还没过境，深海网箱的赔款就到账了！"广东湛江某海洋养殖企业负责人表示，这笔资 金到 ...

Core Insights - China is accelerating its transition to a "blue economy," with marine ranching as a core component of modern fishery transformation, evolving from nearshore to deep-sea operations and integrating various sectors such as tourism and renewable energy [1][2] - The central government's 2025 policy document emphasizes support for deep-sea aquaculture and the establishment of marine ranches, marking a critical phase in the national strategy [1][35] - Despite rapid industry expansion, natural disasters and market volatility pose significant risks to sustainable development, necessitating a robust marine ranch insurance system to stabilize the industry and promote blue economic growth [1][2] Marine Ranching Development Background and Current Status - Marine ranching is recognized as a vital pathway for the high-quality development of marine fisheries, contributing to resource conservation and ecological improvement [12][30] - The marine ranching sector in China is evolving, with a projected scale of marine aquaculture insurance reaching 3 billion yuan by 2030 [11][15] - The development of marine ranching is supported by national policies, with significant investments in demonstration zones and a focus on integrating technology and data into risk management [35][46] Risk Analysis of Marine Ranching - Marine ranching faces various risks, primarily categorized into production risks (natural disasters, diseases) and market/social risks (price fluctuations, policy changes) [8][48] - The most significant risks include meteorological disasters (typhoons, storms), marine disasters, and disease outbreaks, which can severely impact production [48][50] - The insurance market for marine aquaculture is characterized by high demand and volatility, with a notable reliance on index-based insurance products to mitigate risks [2][19] Current Status of Marine Ranching Insurance - China's marine aquaculture insurance market exhibits "high demand, high growth, high coverage, high volatility, and high payout" characteristics, with a significant portion of products being weather index-based [2][19] - The insurance landscape is evolving, with a need for improved product design and risk awareness, particularly in provinces like Guangdong, Shandong, and Liaoning, which account for two-thirds of the market [2][19] - International experiences suggest that integrating biosecurity and management capabilities into underwriting processes can enhance risk management for marine ranching [3][15] Future Prospects and Recommendations for Marine Ranching Insurance - The future of marine ranching insurance will likely see innovations that are specialized, intelligent, and ecological, driven by the emergence of new scenarios such as deep-sea net cages and offshore wind farms [3][15] - Establishing a comprehensive risk management framework that includes pre-warning, intervention, and post-compensation services is essential for the sustainable development of marine ranching [3][15] - The integration of insurance with technology and financial services is crucial for creating a robust marine ranching insurance ecosystem that can support China's blue economy [15][35]